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West Virginia Central

Parkersburg, WV · Charter 24888

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

54

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

64

Q2 2024Q2 2026peer median

Efficiency

70

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

West Virginia Central

Parkersburg, WV · Charter 24888

NCUA · 3 branches

Q2 2026

$341.3MAssets
$229.1MLoans
$295.3MShares
$45.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.06%, down 48 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.87% of loans (+43 bps YoY).
  • Capital: net worth / assets of 13.23%, down 15 bps from a year ago.
  • Funding: loans stand at 77.57% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.06%-48 bps YoY

Net Interest Margin (YTD, annualized)

2.99%+15 bps YoY

Efficiency Ratio (YTD, annualized)

71.08%+1,423 bps YoY

Net Worth / Assets

13.23%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.54%1.57%1.10%1.81%1.06%-48 bps
Return on Equity11.49%11.49%8.20%13.58%7.99%-350 bps
Net Interest Margin2.84%2.89%2.60%2.92%2.99%+15 bps
Efficiency Ratio56.85%57.55%66.54%54.40%71.08%+1,423 bps
Growth
Asset Growth (YoY)2.49%2.76%8.63%7.93%8.16%+567 bps
Loan Growth (YoY)2.47%2.39%2.83%2.63%3.40%+92 bps
Share Growth (YoY)8.78%9.17%8.46%7.61%7.94%-84 bps
Asset Quality
Delinquent Loans / Loans0.43%0.49%0.68%0.76%0.87%+43 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.38%13.67%13.43%13.33%13.23%-15 bps
Net Worth / Assets13.38%13.67%13.43%13.33%13.23%-15 bps
Liquidity & Funding
Loans / Shares80.98%80.83%79.76%76.06%77.57%-341 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

West Virginia Central

Parkersburg, WV · Charter 24888 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 3 branches

Q2 2026

$341.3MAssets
$229.1MLoans
$295.3MShares
$45.2MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 70% of credit unions under $1B in assets (rank 501 of 1682).
  • Widest gap: net interest margin trails 87% of credit unions under $1B in assets (rank 1461 of 1683).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.06%

Rank 539 of 1,683

Net Interest Margin

2.99%

Rank 1,461 of 1,683

Efficiency Ratio

71.08%

Rank 501 of 1,682

Equity / Assets

13.23%

Rank 780 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.06%0.35%0.74%1.18%Beats 68%539 / 1,683
Return on Equity7.99%2.67%5.89%8.74%Beats 69%516 / 1,681
Net Interest Margin2.99%3.31%3.82%4.32%Beats 13%1,461 / 1,683
Efficiency Ratio71.08%68.91%78.20%86.93%Beats 70%501 / 1,682
Asset Quality
Nonperforming Loans / Loans0.87%0.26%0.65%1.29%Beats 40%1,013 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.23%10.44%12.89%16.53%Beats 54%780 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.23%10.44%12.89%16.53%Beats 54%780 / 1,683
Liquidity & Funding
Loans / Deposits77.57%52.61%69.38%83.50%65th pctl589 / 1,683
Loans / Assets67.11%44.71%59.18%70.72%67th pctl558 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution